Happens to me occasionally even in my hi-viz.
I've cut a bike off a few times in my 28 years driving. It just reminds you to remain vigilant. It is an awful feeling.
White helmets have been shown to be the most visable, a Hi-Viz one would be a significant improvement over black also, just saying.
I look at bikes when I'm out in the car to see how noticeable they are. Here's my .02...
1. All black gear is the worst for visability and the most popular by far. Really black blends into everything even during the the day.
2. High beams on during the day make it harder to locate the bike. Yea I know it's legal but that law was enacted back when bikes had low output electrical systems. Today's headlights are extremely bright on high even during the day and make the bike disappear in the glare.
3. The color of the bike doesn't make a difference unless it's a big touring type like a Goldwing and then it's mostly from the back.
4. A Hi-Viz jacket is mostly obscured if there's a top box on the back. A good reason to have a white/Hi-Viz helmet.
5. A solid light color helmet is much more visable than one that has graphics.
6. Headlight modulators are annoying, flashing the high beam lends itself to the same over bright problem.
7. Lateral movement is key to break up an oncoming bike's profile. Even with all the Hi-Viz whatever a bike is still hard to locate in front of a car.
8. Bikes with yellow fog/marker lights lower than the headllight help identify it as a motorcycle, triangle of light effect.
My conclusions prioritized:
1. Wear a white (or Hi-Viz) helmet.
2. Wear a Hi-Viz jacket.
3. Yellow marker lights mounted lower and wider than the headlight(s).
3. Add sideways movement when you want a car to see you, weave side to side somewhat when approaching an encounter.
4. If you ride significanlty faster than traffic don't complain about close calls!
The most important one: don't expect anyone to see you anytime and ride accordingly!